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Bad Credit Personal Loans with Guaranteed Approval

You hear so many negative things about online payday loans but despite the fact that there are so many things against them a lot of people continue to resort to them. Because of certain qualities of bad credit payday loans, there will always be some people who will be reliant on them.

How Bad Are Bad Credit Loans?

If you are really not that familiar with fast short term loans then you might not be aware of why some people are against them. The main reason why their critics are against is the excessive interest rates. Just to illustrate how bad they are look at this example. If you were allowed to borrow some money by your friend on the condition that you were going to be charged an annual interest rate of 300% – 400% annually, would you still take it? Of course not! Because it is ridiculously expensive, but that is exactly what you are going to get charged when you take out a loan from the best payday lender.

Why People Use Personal Loans

The very high interest rate is an assurance that some people are going to have a hard time in paying what they owe and many fail in fact. Despite that fact, there are still a lot of people who use bad credit personal loans with guaranteed approval to get the quick cash that they need. Here are some of the reasons why:

It Is Easy

You have to admit the fact that since it is very easy to borrow money from a cash advance company, that many people turn to them. It could be done online now and there would be no need to go over to the office of the company.

It Is Fast

Most companies now claim that they can process your application within the same day that you filed. Thanks to the power of the Internet, they can really do that now. Some even claim that they can do it now in as little as one hour. There are even some fast cash advance companies saying they can do it in 15 minutes.

There Is No Credit Check

Amazing as it might sound there is really no credit check when you are borrowing money in this way. So it does not matter if you have the worst credit score in the world just as long as you are working and you can show a savings account that can be accessed through the Internet, then you are okay.

There is No Need for Documentation

There is no faxing of documents or any other kind of paperwork required. This makes personal loans with guaranteed approval really hassle free. That is when it comes to the application process. When payment time comes, it is a totally different story.

Why Fast Short Term Loans Are Bad News

The reasons as to why people still use online payday loans are not enough to explain the fact that personal loans are a bad idea. In fact they can even lead people who do not have the ability to pay to borrow even more.